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What is Life Insurance?
New to Life Insurance?
Here is What to Expect
Whole life insurance provides coverage for the entire lifetime of the insured as long as premiums are paid. It also provides a cash value that can be borrowed against or withdrawn*. The premiums are often slightly higher when compared to a term life policy.1
Term life insurance provides coverage for a specific period of time such as 10, 20, or 30 years. The named beneficiaries receive the death benefit amount provided the insured's death occurs during the term of the policy.
Generally, you should consider life insurance if:
- You have a spouse
- You have dependent children
- You have an aging parent or a physically challenged relative who depends on your support
- Your retirement savings are not enough to insure your spouse's future against a rising cost of living
- You have a sizeable estate
- You own a business
Life Insurance can help provide protection to cover the following after the insured passes:
- Death benefits
- Funeral expenses
- Mortgage protection
- Income replacement
- Education cost
- Debt repayment
- Estate planning
Named beneficiaries may choose to use the payout to help pay for funeral expenses, debt, mortgage payoff, bills, and more, per the terms of the policy. A life insurance policy can help secure their financial future following the policyholder's death.
Reach out to us on the Life Insurance Request Form and one of our licensed agents will reach out to you as soon as possible to get you on your way to better coverage.
*Any outstanding loans or indebtedness at time of death will be deducted from the death benefit. Withdrawals and loans will lower a policy's account value and death benefits, may have tax implications, and may cause the policy to terminate. Surrender charges will apply to withdrawals in early years, subject to a free partial withdrawal feature. Each individual should seek specific advice from their own tax or legal advisors.
Our licensed insurance agents will discuss available options and discounts during your life quote.
How Does Term Life Insurance Work?
1. Buy A Policy and Name the Beneficiaries
A policy can be written in your name or, if you can show insurable interest, you may be able to buy a policy in someone else's name with their consent. As part of the policy, you'll need to name one or more beneficiaries. You can name people, nonprofits, charities, or other entities as beneficiaries on life insurance policies.
2. Pay The Premium
The policyholder must maintain their premium payment throughout the duration of the policy.
3. Receive The Payout
The insurance company will pay out the policy to the named beneficiaries if the insured dies during the policy's specific term.
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